What Can Your Salary Afford? Vehicle, Bond, Rent, Loan & Medical Aid Calculators

Enter your salary once and see what it can actually afford in South Africa — a vehicle (20 popular makes and models in one calculator), a home loan, a rental, a personal loan, or medical aid cover — plus what your daily commute really costs, with your real net take-home pay after PAYE and UIF factored into every result.

Six tools, one question each: "How much does this actually cost me?" The vehicle calculator applies the 20% affordability rule across 20 popular makes and models; the bond and personal loan calculators apply the same 30% rule banks actually use, with the loan tool letting you enter your own quoted rate instead of a generic one; the rent calculator applies both the 30% budgeting rule and the 3x-income rule SA letting agents screen against; the medical aid calculator uses a financial-adviser-sourced budgeting guideline rather than an institutional rule, since medical aid isn't debt; the travel-to-work calculator prices your actual commute, fuel plus traffic. Every result shows your net take-home pay using the same PAYE calculation as our PAYE Calculator, so you know exactly what actually lands in your account before you commit to anything.

What Can You Afford?

6 tools
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Disclaimer: All salary affordability calculators on PayTools.co.za are for informational and educational purposes only. Vehicle prices, interest rates and insurance costs change frequently — always confirm current pricing with the relevant dealer or financial institution before making any financial commitment. Read full disclaimer →